- #171 of 224
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Re: 2010 Fusion SE [linaik]
by alman08
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May 16, 2009 (7:27 pm)
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Replying to: linaik (May 16, 2009 4:55 pm)
good thing you didn't wait for the basic SE V4 that you wanted to order because they don't exist. However, if you wanted an inline 4, that's different. Anyway, congrats on your purchase.
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- #172 of 224
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Re: 2010 Fusion SE [alman08]
by linaik
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May 17, 2009 (4:24 am)
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Replying to: alman08 (May 16, 2009 7:27 pm)
Thanks.
Just curious, what's an inline 4?
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- #173 of 224
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Re: 2010 Fusion SE [linaik]
by igozoomzoom
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May 17, 2009 (8:41 am)
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Replying to: linaik (May 17, 2009 4:24 am)
Almost all modern 4-cylinder engines are "Inline-4"s. All four cylinders are in a single row (also known as a "Straight-4"). Most 6-cylinder engines are of the V6 variety- there are two banks of three cylinders mounted in a "V" formation (usually a right angle, if I'm not mistaken). There are also "Inline-6" engines, but they're far less common now than they were even 10 years ago. BMW is the only manufacturer I can think of that still uses an Inline-6.
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- #174 of 224
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Re: 2010 Fusion SE [igozoomzoom]
by kyfdx HOST
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May 17, 2009 (9:29 am)
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Replying to: igozoomzoom (May 17, 2009 8:41 am)
V-6s are usually at a 60 degree angle, and V-8s at 90 degrees.. (not all, but most).
Almost all 4-cylinders are in-line. The only one that comes to mind that isn't.. is the Subaru, which has a flat-four (two cylinders on each bank, horizontally opposed at 180 degrees).
The last V-4 that I remember was on Saabs in the early '70s?
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- #175 of 224
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Need Some advice on this price 09' SEL AWD
by mez4
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May 22, 2009 (1:17 pm)
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Last one in my state of Ohio for the 09's AWD. I like that I can finance now for 0% 72 months
2009 Fusion AWD w/
Moon and Tune
Spoiler
Heated Leather Seats
Reverse Sensing
Total MSRP with Destination is $28,905
Dealer offer to sell me the car OTD for $29,664 which includes my local 6.75% tax. he said it was being sold for $500 above invoice. Seems there is about $900 in Ford Credit fees, and misc. Please advise on what should be a "sales" price for this.
Thanks
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- #176 of 224
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Re: Need Some advice on this price 09' SEL AWD [mez4]
by igozoomzoom
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May 22, 2009 (1:54 pm)
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Replying to: mez4 (May 22, 2009 1:17 pm)
Edmunds shows the Invoice Price as $26,396. They offer 0% financing for up to 72 months OR a $3500 cash rebate. Too bad it's an either/or deal, but it looks like the 0% APR is a better deal than taking the $3500 cash with a normal interest rate.
Something you may want to consider- the worst part of 6-year (72-month) financing is that you may end up with negative equity in the car. Depreciation often out-paces monthly payments on a 72-month loan. I financed my last car for 72 months, but made the payment as if it was a 60 month loan- with the addiitional paid toward principal. It's on track to be paid off in 58-months (Nov 2010). If you plan to keep the car until it's paid off, it's not a big deal.
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- #177 of 224
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Re: Need Some advice on this price 09' SEL AWD [igozoomzoom]
by mez4
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May 22, 2009 (2:27 pm)
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Replying to: igozoomzoom (May 22, 2009 1:54 pm)
I did consider the $3,500 and with the 0% you are in essence using free money. It is nice to know that the entire payment will be going to principal . I plan on making an extra $1,000 paymetn each of the first 3 years to make sure If i need to trade in I can do so and not roll negative. I looked at the amortization and in 3 years without extra payments Ill owe about $14,500. Hopefully this car will hold about 50% of its value in 3 years. I only drive about 11K a year.
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- #178 of 224
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Re: Need Some advice on this price 09' SEL AWD [mez4]
by gth743b
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May 22, 2009 (2:43 pm)
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Replying to: mez4 (May 22, 2009 1:17 pm)
I would aim for a lower price than the $29,664. That seems too high considering all the 2010's are starting to fill lots now. I think you should shoot for a target of around $26,000 with tax, title, and fees, $27,000 at most, along with the 0%. I bought a 2010 at the end of last month and ended up paying $200 less than invoice with a $500 rebate applied. (This is minus ttf, just the outright price of the car) Looking at my trade, I must have looked at something wrong, otherwise I could've gotten another $500-1000 taken off I think. But to get back to the main point, I think you could get down to $26-27k range.
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- #179 of 224
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Re: Need Some advice on this price 09' SEL AWD [gth743b]
by frostbyte3964
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May 22, 2009 (3:01 pm)
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Replying to: gth743b (May 22, 2009 2:43 pm)
If you aren't going to keep the car the entire time, it is highly unlikely that the interest rate will pay off more than the $3500. I would seriously consider the $3500. Look at the interest paid for just 3 years on the car at your desired payment and I would guess it's far less than $3500.
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- #180 of 224
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Re: Need Some advice on this price 09' SEL AWD [frostbyte3964]
by igozoomzoom
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May 22, 2009 (3:37 pm)
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Replying to: frostbyte3964 (May 22, 2009 3:01 pm)
Three years seems to be the break-even point, where the 0% APR savings tops $3500. That's based on the assumption of 6.9% for 72 months, which may not be realistic.
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